Citizens Community Federal Credit Union

Headquarters: Fort Dodge, Iowa
Charter: Credit Union
Assets: $253.6M
Fed district: Chicago

22 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 27, 2026.

Explore Hamilton View published fees

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Citizens Community Federal Credit Union: $27.75
Citizens Community Federal Credit Union: $27.75
U.S. median: no median
NSF / Returned Item
Citizens Community Federal Credit Union: $27.75
Citizens Community Federal Credit Union: $27.75
U.S. median: no median
Wire Transfer (Domestic Out)
Citizens Community Federal Credit Union: $15
Citizens Community Federal Credit Union: $15
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 27, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Iowa, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Iowa: Banks and credit unions headquartered in Iowa that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Citizens Community Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account Closing within 60 Days of Opening$5
Inactive Account (per month after 12 months of inactivity)$5
per month
Account Reconcilement ($15.00 minimum)$15
Account Research ($15.00 minimum)$15
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Courtesy Pay (CP) Item Paid$27.75
Non-Sufficient Funds (NSF) Item Paid$27.75
Non-Sufficient Funds (NSF) Return Item$27.75
Overdraft Transfer (per transfer)$3
per item

ATM & Card

Replacement Card$10

Wire Transfers

Outgoing Wire$15
Outgoing Foreign Wire$30

Check Services

Official Check Payable to Account HolderNo charge
Official Check Payable to Another Party$1.50
Official Check Sent via Mail$1.50
Money Order$1.50
Stop Payment (all items)$20
Temporary Checks (First 10 FREE for new accounts)$1
Collection Item Incoming$5
Collection Item Outgoing$5
Check Photocopy$1

Digital & Electronic

Bill Pay - Overnight Check Payment$14.95
Bill Pay - Same Day ACH Payment$9.95

Cash & Deposit

Non-Member Coin Counting Service$25

Account Services

Notary ServiceNo charge
Large Box (10x10x24 in.)$45
Medium Box (5x10x24 in.)$30
Safe Deposit Box Replacement Key$10
Not compared: Box drilling or key fee
Small Box (3x10x24 in.)$20
Garnishment, Execution, Levy$10

Retirement & IRA

IRA Account Closing Fee$25

Other Fees

Statement Copy - Previous Periods (each)$2.50
per item

Fee	Amount	Basis	Note
Account Maintenance
Account Closing within 60 Days of Opening	$5	Not stated	None
Inactive Account (per month after 12 months of inactivity)	$5	per month	None
Account Reconcilement ($15.00 minimum)	$15	Not stated	None
Account Research ($15.00 minimum)	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Courtesy Pay (CP) Item Paid	$27.75	Not stated	None
Non-Sufficient Funds (NSF) Item Paid	$27.75	Not stated	None
Non-Sufficient Funds (NSF) Return Item	$27.75	Not stated	None
Overdraft Transfer (per transfer)	$3	per item	None
ATM & Card
Replacement Card	$10	Not stated	None
Wire Transfers
Outgoing Wire	$15	Not stated	None
Outgoing Foreign Wire	$30	Not stated	None
Check Services
Official Check Payable to Account Holder	No charge	Not stated	None
Official Check Payable to Another Party	$1.50	Not stated	None
Official Check Sent via Mail	$1.50	Not stated	None
Money Order	$1.50	Not stated	None
Stop Payment (all items)	$20	Not stated	None
Temporary Checks (First 10 FREE for new accounts)	$1	Not stated	None
Collection Item Incoming	$5	Not stated	None
Collection Item Outgoing	$5	Not stated	None
Check Photocopy	$1	Not stated	None
Digital & Electronic
Bill Pay - Overnight Check Payment	$14.95	Not stated	None
Bill Pay - Same Day ACH Payment	$9.95	Not stated	None
Cash & Deposit
Non-Member Coin Counting Service	$25	Not stated	None
Account Services
Notary Service	No charge	Not stated	None
Large Box (10x10x24 in.)	$45	Not stated	None
Medium Box (5x10x24 in.)	$30	Not stated	None
Safe Deposit Box Replacement Key	$10Not compared: Box drilling or key fee	Not stated	None
Small Box (3x10x24 in.)	$20	Not stated	None
Garnishment, Execution, Levy	$10	Not stated	None
Retirement & IRA
IRA Account Closing Fee	$25	Not stated	None
Other Fees
Statement Copy - Previous Periods (each)	$2.50	per item	None

Account Maintenance

Account Closing within 60 Days of Opening$5
Inactive Account (per month after 12 months of inactivity)$5
per month
Account Reconcilement ($15.00 minimum)$15
Account Research ($15.00 minimum)$15
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Courtesy Pay (CP) Item Paid$27.75
Non-Sufficient Funds (NSF) Item Paid$27.75
Non-Sufficient Funds (NSF) Return Item$27.75
Overdraft Transfer (per transfer)$3
per item

ATM & Card

Replacement Card$10

Wire Transfers

Outgoing Wire$15
Outgoing Foreign Wire$30

Check Services

Official Check Payable to Account HolderNo charge
Official Check Payable to Another Party$1.50
Official Check Sent via Mail$1.50
Money Order$1.50
Stop Payment (all items)$20
Temporary Checks (First 10 FREE for new accounts)$1
Collection Item Incoming$5
Collection Item Outgoing$5
Check Photocopy$1

Digital & Electronic

Bill Pay - Overnight Check Payment$14.95
Bill Pay - Same Day ACH Payment$9.95

Cash & Deposit

Non-Member Coin Counting Service$25
Return Deposit Item - Business Account$5

Account Services

Notary ServiceNo charge
Large Box (10x10x24 in.)$45
Medium Box (5x10x24 in.)$30
Safe Deposit Box Replacement Key$10
Not compared: Box drilling or key fee
Small Box (3x10x24 in.)$20
Garnishment, Execution, Levy$10

Retirement & IRA

IRA Account Closing Fee$25

Other Fees

Statement Copy - Previous Periods (each)$2.50
per item

Fee	Amount	Basis	Note
Account Maintenance
Account Closing within 60 Days of Opening	$5	Not stated	None
Inactive Account (per month after 12 months of inactivity)	$5	per month	None
Account Reconcilement ($15.00 minimum)	$15	Not stated	None
Account Research ($15.00 minimum)	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Courtesy Pay (CP) Item Paid	$27.75	Not stated	None
Non-Sufficient Funds (NSF) Item Paid	$27.75	Not stated	None
Non-Sufficient Funds (NSF) Return Item	$27.75	Not stated	None
Overdraft Transfer (per transfer)	$3	per item	None
ATM & Card
Replacement Card	$10	Not stated	None
Wire Transfers
Outgoing Wire	$15	Not stated	None
Outgoing Foreign Wire	$30	Not stated	None
Check Services
Official Check Payable to Account Holder	No charge	Not stated	None
Official Check Payable to Another Party	$1.50	Not stated	None
Official Check Sent via Mail	$1.50	Not stated	None
Money Order	$1.50	Not stated	None
Stop Payment (all items)	$20	Not stated	None
Temporary Checks (First 10 FREE for new accounts)	$1	Not stated	None
Collection Item Incoming	$5	Not stated	None
Collection Item Outgoing	$5	Not stated	None
Check Photocopy	$1	Not stated	None
Digital & Electronic
Bill Pay - Overnight Check Payment	$14.95	Not stated	None
Bill Pay - Same Day ACH Payment	$9.95	Not stated	None
Cash & Deposit
Non-Member Coin Counting Service	$25	Not stated	None
Return Deposit Item - Business Account	$5	Not stated	None
Account Services
Notary Service	No charge	Not stated	None
Large Box (10x10x24 in.)	$45	Not stated	None
Medium Box (5x10x24 in.)	$30	Not stated	None
Safe Deposit Box Replacement Key	$10Not compared: Box drilling or key fee	Not stated	None
Small Box (3x10x24 in.)	$20	Not stated	None
Garnishment, Execution, Levy	$10	Not stated	None
Retirement & IRA
IRA Account Closing Fee	$25	Not stated	None
Other Fees
Statement Copy - Previous Periods (each)	$2.50	per item	None

Correct a fee source

Oct 27, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

Get an email when Citizens Community Federal Credit Union's ach origination changes in our data

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Citizens Community Federal Credit Union: $27.75
Citizens Community Federal Credit Union: $27.75
U.S. median: no median
NSF / Returned Item
Citizens Community Federal Credit Union: $27.75
Citizens Community Federal Credit Union: $27.75
U.S. median: no median
Wire Transfer (Domestic Out)
Citizens Community Federal Credit Union: $15
Citizens Community Federal Credit Union: $15
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 27, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Iowa, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Iowa: Banks and credit unions headquartered in Iowa that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Published fee schedule

Amounts from Citizens Community Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account Closing within 60 Days of Opening$5
Inactive Account (per month after 12 months of inactivity)$5
per month
Account Reconcilement ($15.00 minimum)$15
Account Research ($15.00 minimum)$15
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Courtesy Pay (CP) Item Paid$27.75
Non-Sufficient Funds (NSF) Item Paid$27.75
Non-Sufficient Funds (NSF) Return Item$27.75
Overdraft Transfer (per transfer)$3
per item

ATM & Card

Replacement Card$10

Wire Transfers

Outgoing Wire$15
Outgoing Foreign Wire$30

Check Services

Official Check Payable to Account HolderNo charge
Official Check Payable to Another Party$1.50
Official Check Sent via Mail$1.50
Money Order$1.50
Stop Payment (all items)$20
Temporary Checks (First 10 FREE for new accounts)$1
Collection Item Incoming$5
Collection Item Outgoing$5
Check Photocopy$1

Digital & Electronic

Bill Pay - Overnight Check Payment$14.95
Bill Pay - Same Day ACH Payment$9.95

Cash & Deposit

Non-Member Coin Counting Service$25

Account Services

Notary ServiceNo charge
Large Box (10x10x24 in.)$45
Medium Box (5x10x24 in.)$30
Safe Deposit Box Replacement Key$10
Not compared: Box drilling or key fee
Small Box (3x10x24 in.)$20
Garnishment, Execution, Levy$10

Retirement & IRA

IRA Account Closing Fee$25

Other Fees

Statement Copy - Previous Periods (each)$2.50
per item

Fee	Amount	Basis	Note
Account Maintenance
Account Closing within 60 Days of Opening	$5	Not stated	None
Inactive Account (per month after 12 months of inactivity)	$5	per month	None
Account Reconcilement ($15.00 minimum)	$15	Not stated	None
Account Research ($15.00 minimum)	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Courtesy Pay (CP) Item Paid	$27.75	Not stated	None
Non-Sufficient Funds (NSF) Item Paid	$27.75	Not stated	None
Non-Sufficient Funds (NSF) Return Item	$27.75	Not stated	None
Overdraft Transfer (per transfer)	$3	per item	None
ATM & Card
Replacement Card	$10	Not stated	None
Wire Transfers
Outgoing Wire	$15	Not stated	None
Outgoing Foreign Wire	$30	Not stated	None
Check Services
Official Check Payable to Account Holder	No charge	Not stated	None
Official Check Payable to Another Party	$1.50	Not stated	None
Official Check Sent via Mail	$1.50	Not stated	None
Money Order	$1.50	Not stated	None
Stop Payment (all items)	$20	Not stated	None
Temporary Checks (First 10 FREE for new accounts)	$1	Not stated	None
Collection Item Incoming	$5	Not stated	None
Collection Item Outgoing	$5	Not stated	None
Check Photocopy	$1	Not stated	None
Digital & Electronic
Bill Pay - Overnight Check Payment	$14.95	Not stated	None
Bill Pay - Same Day ACH Payment	$9.95	Not stated	None
Cash & Deposit
Non-Member Coin Counting Service	$25	Not stated	None
Account Services
Notary Service	No charge	Not stated	None
Large Box (10x10x24 in.)	$45	Not stated	None
Medium Box (5x10x24 in.)	$30	Not stated	None
Safe Deposit Box Replacement Key	$10Not compared: Box drilling or key fee	Not stated	None
Small Box (3x10x24 in.)	$20	Not stated	None
Garnishment, Execution, Levy	$10	Not stated	None
Retirement & IRA
IRA Account Closing Fee	$25	Not stated	None
Other Fees
Statement Copy - Previous Periods (each)	$2.50	per item	None

Account Maintenance

Account Closing within 60 Days of Opening$5
Inactive Account (per month after 12 months of inactivity)$5
per month
Account Reconcilement ($15.00 minimum)$15
Account Research ($15.00 minimum)$15
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Courtesy Pay (CP) Item Paid$27.75
Non-Sufficient Funds (NSF) Item Paid$27.75
Non-Sufficient Funds (NSF) Return Item$27.75
Overdraft Transfer (per transfer)$3
per item

ATM & Card

Replacement Card$10

Wire Transfers

Outgoing Wire$15
Outgoing Foreign Wire$30

Check Services

Official Check Payable to Account HolderNo charge
Official Check Payable to Another Party$1.50
Official Check Sent via Mail$1.50
Money Order$1.50
Stop Payment (all items)$20
Temporary Checks (First 10 FREE for new accounts)$1
Collection Item Incoming$5
Collection Item Outgoing$5
Check Photocopy$1

Digital & Electronic

Bill Pay - Overnight Check Payment$14.95
Bill Pay - Same Day ACH Payment$9.95

Cash & Deposit

Non-Member Coin Counting Service$25
Return Deposit Item - Business Account$5

Account Services

Notary ServiceNo charge
Large Box (10x10x24 in.)$45
Medium Box (5x10x24 in.)$30
Safe Deposit Box Replacement Key$10
Not compared: Box drilling or key fee
Small Box (3x10x24 in.)$20
Garnishment, Execution, Levy$10

Retirement & IRA

IRA Account Closing Fee$25

Other Fees

Statement Copy - Previous Periods (each)$2.50
per item

Fee	Amount	Basis	Note
Account Maintenance
Account Closing within 60 Days of Opening	$5	Not stated	None
Inactive Account (per month after 12 months of inactivity)	$5	per month	None
Account Reconcilement ($15.00 minimum)	$15	Not stated	None
Account Research ($15.00 minimum)	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Courtesy Pay (CP) Item Paid	$27.75	Not stated	None
Non-Sufficient Funds (NSF) Item Paid	$27.75	Not stated	None
Non-Sufficient Funds (NSF) Return Item	$27.75	Not stated	None
Overdraft Transfer (per transfer)	$3	per item	None
ATM & Card
Replacement Card	$10	Not stated	None
Wire Transfers
Outgoing Wire	$15	Not stated	None
Outgoing Foreign Wire	$30	Not stated	None
Check Services
Official Check Payable to Account Holder	No charge	Not stated	None
Official Check Payable to Another Party	$1.50	Not stated	None
Official Check Sent via Mail	$1.50	Not stated	None
Money Order	$1.50	Not stated	None
Stop Payment (all items)	$20	Not stated	None
Temporary Checks (First 10 FREE for new accounts)	$1	Not stated	None
Collection Item Incoming	$5	Not stated	None
Collection Item Outgoing	$5	Not stated	None
Check Photocopy	$1	Not stated	None
Digital & Electronic
Bill Pay - Overnight Check Payment	$14.95	Not stated	None
Bill Pay - Same Day ACH Payment	$9.95	Not stated	None
Cash & Deposit
Non-Member Coin Counting Service	$25	Not stated	None
Return Deposit Item - Business Account	$5	Not stated	None
Account Services
Notary Service	No charge	Not stated	None
Large Box (10x10x24 in.)	$45	Not stated	None
Medium Box (5x10x24 in.)	$30	Not stated	None
Safe Deposit Box Replacement Key	$10Not compared: Box drilling or key fee	Not stated	None
Small Box (3x10x24 in.)	$20	Not stated	None
Garnishment, Execution, Levy	$10	Not stated	None
Retirement & IRA
IRA Account Closing Fee	$25	Not stated	None
Other Fees
Statement Copy - Previous Periods (each)	$2.50	per item	None

Correct a fee source

Oct 27, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.